Current Hobart, Washington CD rates include Northwest Plus Credit UnionNorthwest Plus Credit UnionA+5.0 ★Texas Ratio: 4.75%Real return: +2.03%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit at 4.83% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.58%Real return: +1.30%APY minus CPI (February 2026) offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY, Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit UnionA+5.0 ★Texas Ratio: 3.96%Real return: +1.20%APY minus CPI (February 2026) offering 12-month Certificate at 4.00% APY, Avista Corp Credit UnionAvista Corp Credit UnionA+5.0 ★Texas Ratio: 0.09%Real return: +1.12%APY minus CPI (February 2026) offering 1-year CD (Auto Renewing) at 3.92% APY, and Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 0.43%Real return: +1.11%APY minus CPI (February 2026) offering Certificates of Deposit 3 Month at 3.91% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Hobart is a smaller community with no bank or credit union branches currently in our database. 237 institutions serving the Washington area are available to Hobart residents, with CD rates as high as 4.83% APY from Northwest Plus Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 12, 2026
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
APY=Annual Percentage Yield. The promotional APY is effective as of March 12, 2026 and subject to change without notice. A penalty may be imposed for early withdrawal before the maturity date. Fees and penalties may reduce earnings. $500 minimum to open account and earn APY.
$100,000 minimum; With Checking
New money only.
Limited Time Only
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Early Withdrawal Penalties May Apply
$1,000 Min.
With Checking
Wave Club
1 year Certificate of Deposit (Penalty will or may be imposed for early withdrawal of funds). This rate applies to existing CDs at Avista CU that automatically renew/rollover for an additional 1-year term.
$10,000 - $49,999.99
Limited time offer. Only available in our branches.
$500.00 Minimum Opening Deposit; With .25% Bonus*
$100,000 minimum; With Checking
with Salal Rewards Points
Early Withdrawal Penalties May Apply
$1,000 Min.
Qualifying balance up to $49,000.00
$100,000 and over
At maturity, the account will auto-renew to a regular twelve (12) month CD and all subsequent renewals will also be twelve (12) months.
Early Withdrawal Penalties May Apply
$100,000 minimum; With Checking
$100,000 and over
Wave Club
$500.00 Minimum Opening Deposit
$1,000 Min.
With Checking
$500.00 Minimum Opening Deposit
$1,000 Min.
$100,000 minimum; With Checking
$500.00 Minimum Opening Deposit
$100,000 minimum; With Checking
$1,000 Min.
$100,000 and over
$500.00 Minimum Opening Deposit
With Checking
$1,000 Min.
Compare local Hobart, WA CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Washington 12-month CD rates rose 0.399 points over the past 7 days to 2.950% APY.
Washington 6-month CD rates rose 0.069 points over the past 7 days to 2.608% APY.
Annual interest earnings at today’s Washington average APYs. State average used where available; national average as fallback.
| CD Term | WA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.026% | $101.28 | $202.55 | $506.38 | $1,012.75 |
| 6-Month CD | 2.608% | $130.41 | $260.82 | $652.05 | $1,304.10 |
| 12-Month CD | 2.950% | $147.51 | $295.02 | $737.55 | $1,475.10 |
| 18-Month CD | 2.690% | $134.50 | $268.99 | $672.48 | $1,344.95 |
| 24-Month CD | 2.599% | $129.94 | $259.87 | $649.68 | $1,299.35 |
| 36-Month CD | 2.558% | $127.88 | $255.76 | $639.40 | $1,278.80 |
| 48-Month CD | 2.562% | $128.08 | $256.16 | $640.40 | $1,280.80 |
| 60-Month CD | 2.603% | $130.17 | $260.34 | $650.85 | $1,301.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
$25,000 split equally across 5 terms using today’s Washington average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | WA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.026% | $101.28 |
| 2 | 6-Month CD | $5,000 | 2.608% | $130.41 |
| 3 | 12-Month CD | $5,000 | 2.950% | $147.51 |
| 4 | 24-Month CD | $5,000 | 2.599% | $129.94 |
| 5 | 36-Month CD | $5,000 | 2.558% | $127.88 |
| Total ($25,000 invested) | $25,000 | 2.548% blended | $637.02/yr | |
Ladder example uses equal $5,000 rungs and Washington average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
MonitorBankRates tracks CD rates from 63 institutions reporting rates in Hobart, Washington — including both local community institutions and national banks with a presence in this area. Rates are verified daily.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Hobart, Washington directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Hobart, Washington. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in WA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.